Community Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.69 percentage points in Q2 2026, from 193.40% to 201.08%. It was the largest change from Q1 2026 among the key lines here. Within New York, Community Bank, N.A. is 71st of 105 on loan-to-deposit ratio, 75.88% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Community Bank, N.A. sits 10.95 points lower, at 75.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.28B |
| Net loans and leases | $11.19B |
| Loans held for sale | $1.6M |
| Loans to total assets | 64.67% |
| Loan-to-deposit ratio | 75.88% |
| Net loans to equity capital | 6.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.06% |
| Multifamily (5+ residential) | 8.44% |
| Commercial and industrial | 9.14% |
| Consumer | 18.76% |
| Credit cards | 0.00% |
| Farm | 0.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.08% |
| Construction concentration (Tier 1 capital + allowance) | 25.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.64% |
| Interest income on loans | $157.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $9.45B | $13.25B | 21.21% | 7.03% | 20.05% |
| Q4 2023 | $9.71B | $13.15B | 21.27% | 6.97% | 19.48% |
| Q1 2024 | $9.88B | $13.55B | 21.38% | 7.40% | 19.24% |
| Q2 2024 | $10.03B | $13.34B | 21.36% | 8.04% | 19.06% |
| Q3 2024 | $10.25B | $13.70B | 21.47% | 7.88% | 19.25% |
| Q4 2024 | $10.43B | $13.65B | 20.96% | 8.03% | 18.79% |
| Q1 2025 | $10.42B | $14.09B | 20.91% | 8.38% | 18.30% |
| Q2 2025 | $10.52B | $13.90B | 20.29% | 8.98% | 18.81% |
| Q3 2025 | $10.75B | $14.22B | 20.18% | 8.59% | 19.10% |
| Q4 2025 | $10.95B | $14.55B | 20.17% | 8.70% | 19.16% |
| Q1 2026 | $11.13B | $15.01B | 20.58% | 8.77% | 19.12% |
| Q2 2026 | $11.28B | $14.87B | 21.06% | 9.14% | 18.76% |
Community Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6989) · FFIEC NIC profile (RSSD 202907)